It combines the principal covers a trading business needs into one policy, including Property Damage, Business Interruption and Liability. The exact sections depend on the risk and are subject to underwriting and to policy terms, conditions, limits and exclusions.
One policy, one underwriter, a broad range of commercial risks.
Commercial Combined brings the main covers a trading business needs into a single policy: Property Damage, Business Interruption, Liability, and the other sections a client’s operation calls for.
Keep it simple. Combine your client’s cover.
Our appetite
Trades we regularly write include:
- Builders and plumbers merchants
- Double glazing manufacturers and installers
- Electrical engineers
- Electrical equipment manufacturers and wholesalers
- Engineering risks
- Food and drink wholesalers
- Graphic designers
- Ironmongers
- Machinery manufacturers and wholesalers
- Mechanical engineers
- Precision engineers
- Printers
- Self-storage warehouses
- Steel merchants
- Stonemasons
This list is illustrative, not exhaustive. If a client’s trade is not shown, speak to a member of our team who will be more than happy to help and explore potential solutions.
Features:
- Up to £20M Material Damage and Business Interruption at any one location, Grade II Listed or equivalent considered
- Risk-based pricing for in-appetite risks
Why MX?
MX combines experienced commercial underwriting expertise with a broad appetite for trading businesses across a wide range of sectors.
We take a practical, solutions-focused approach to risk assessment, providing brokers with direct access to decision-makers and the flexibility to consider risks that may fall outside standard market appetite. The result is risk-based pricing and terms, reflecting the individual characteristics of the risk
We will consider:
Trades outside a standard commercial combined appetite, prices and terms to reflect the risk
Clients with a claims history, judged on the loss ratio and the circumstances behind it
Adverse financial history such as previous liquidations, CCJS, and insolvencies
Businesses carrying out work away from their own premises
Grade II Listed premises
Risks placed alongside a Liability, Contractors All Risks or Property Owners policy. Our specialist underwriting teams work closely together in the same office, enabling us to efficiently review risks, discuss any complexities and provide a coordinated, responsive underwriting solution.
London Market Capability
Alongside our Commercial Combined offering, we support our mainstream wholesale London Market broker partners with access to London Market solutions for more complex and non-standard risks. Our underwriters work closely with brokers to understand individual client requirements and deliver pragmatic, tailored solutions where a traditional company market approach may not be suitable.
Related covers
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Property Owners insurance
Protect your client's occupied and unoccupied Property risks with solutions tailored to their risks. -
Liability insurance
Support your contractor clients with flexible Liability solutions, including Contractors All Risks (CAR), across a wide range of trades. -
Property Owners Liability £2M or £5M & £10M
Protect your client's occupied and unoccupied Property risks with solutions tailored to their risks.
FAQS
We take an open approach and will consider a wide range of trades. If a client’s trade is not on that list, speak to an underwriter.
Not automatically. There is no fixed claims threshold. Our underwriters take a view on the loss ratio and the circumstances behind the claims, so a claims history is assessed individually rather than applied as a bar.
Up to £20M Material Damage and Business Interruption at any one location, with Grade 2 Listed or equivalent considered.
Commercial Combined is available through our portal, provided the quotation has been pre-approved by an underwriter and no material changes have been made prior to cover being placed.
Contact us
Contact a member of our team today.
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Jamie Kelly
07990 033 049
jkelly@mxunderwriting.com
Head of Property